topic Burned AMEX in Credit Cards

Burned AMEX

Anonymous — Thu, 16 May 2019 15:41:48 GMT

I burned AMEX years ago. My scores are around 700 now. AMEX has me blacklisted. Can I get a branded AMEX card not directly though AMEX such as Hilton AMEX and Delta AMEX etc?

Re: Burned AMEX

Blackswizz750 — Thu, 16 May 2019 15:56:43 GMT

Both cards you mentioned are through Amex, they are just co-branded. They have long memories and most folks pay them first. They may blacklist you even after paying. Others please chime in.

Re: Burned AMEX

M_Smart007 — Thu, 16 May 2019 16:01:46 GMT

They have a verrryyyyyy lonnnng memory. from what i have read on This Forum.

How Much did you burn them For?

and how long ago?

You Might consider paying them back.???

EDIT: and co-branded card will be black listed as well, sorry OP

Re: Burned AMEX

Anonymous — Thu, 16 May 2019 16:03:48 GMT

Hi there~ Try their prequal section and then you'll at least know beforehand if they are offering you anything. good luck! Post back with results and DP's.

@Anonymous wrote:
I burned AMEX years ago. My scores are around 700 now. AMEX has me blacklisted. Can I get a branded AMEX card not directly though AMEX such as Hilton AMEX and Delta AMEX etc?

Re: Burned AMEX

Anonymous — Thu, 16 May 2019 17:41:35 GMT

No prequal approval and they dont do SP or HP.

Re: Burned AMEX

AverageJoesCredit — Thu, 16 May 2019 18:12:15 GMT

If they dont pull your credit you are blacklisted. Only applying will you find out if you still are on the bl.

Re: Burned AMEX

DaveInAZ — Thu, 16 May 2019 18:55:02 GMT

If you're dying to see the Amex logo in your wallet other lenders issue Amex card under license and an Amex blacklist won't affect them - Wells Fargo, Penfed are two I know of. I think Navy Fed and Charles Schwab as well.

Re: Burned AMEX

M_Smart007 — Thu, 16 May 2019 19:44:20 GMT

possibly Macy's Amex and US Bank Amex also, probably a few more out there.

Re: Burned AMEX

FinStar — Thu, 16 May 2019 21:42:23 GMT

@DaveInAZ wrote:
If you're dying to see the Amex logo in your wallet other lenders issue Amex card under license and an Amex blacklist won't affect them - Wells Fargo, Penfed are two I know of. I think Navy Fed and Charles Schwab as well.

The Charles Schwab CC is UW by American Express National Bank, so that won't work. Citi/DSNB issues the Macy's and Bloomingdale's AmEx, FNBO has some, also a variety of ELAN-backed FIs issue them.

Re: Burned AMEX

wasCB14 — Thu, 16 May 2019 22:56:25 GMT

@FinStar wrote:
@DaveInAZ wrote:
If you're dying to see the Amex logo in your wallet other lenders issue Amex card under license and an Amex blacklist won't affect them - Wells Fargo, Penfed are two I know of. I think Navy Fed and Charles Schwab as well.
The Charles Schwab CC is UW by American Express National Bank, so that won't work. Citi/DSNB issues the Macy's and Bloomingdale's AmEx, FNBO has some, also a variety of ELAN-backed FIs issue them.

FinStar is right about the Schwab cards. I have one.

I don't suggest you seek out an Amex-network card issued by another bank just for the sake of having one. Without the special protections and perks from Amex the issuer, an Amex-network card is just a basic card with limited merchant acceptance. The no-AF Amex-issued cards may lack travel perks, but at least they have good warranty/dispute/fraud customer service.

Every now and then there is one with decent rewards or a nice bonus...but those are separate considerations.

Re: Burned AMEX

Anonymous — Thu, 16 May 2019 23:35:40 GMT

@wasCB14 wrote:
@FinStar wrote:
@DaveInAZ wrote:
If you're dying to see the Amex logo in your wallet other lenders issue Amex card under license and an Amex blacklist won't affect them - Wells Fargo, Penfed are two I know of. I think Navy Fed and Charles Schwab as well.
The Charles Schwab CC is UW by American Express National Bank, so that won't work. Citi/DSNB issues the Macy's and Bloomingdale's AmEx, FNBO has some, also a variety of ELAN-backed FIs issue them.
FinStar is right about the Schwab cards. I have one.

I don't suggest you seek out an Amex-network card issued by another bank just for the sake of having one. Without the special protections and perks from Amex the issuer, an Amex-network card is just a basic card with limited merchant acceptance. The no-AF Amex-issued cards may lack travel perks, but at least they have good warranty/dispute/fraud customer service.

Every now and then there is one with decent rewards or a nice bonus...but those are separate considerations.

You actually DO get the Amex protections from some network cards, they’re just usually shorter than going directly for an Amex like my More Rewards has 1 year extended warranty instead of 2.

https://www.americanexpress.com/us/network/navyfederal/morerewards/cardbenefits.html

Re: Burned AMEX

M_Smart007 — Thu, 16 May 2019 23:50:12 GMT

@Anonymous wrote:
@wasCB14 wrote:
@FinStar wrote:
@DaveInAZ wrote:
If you're dying to see the Amex logo in your wallet other lenders issue Amex card under license and an Amex blacklist won't affect them - Wells Fargo, Penfed are two I know of. I think Navy Fed and Charles Schwab as well.
The Charles Schwab CC is UW by American Express National Bank, so that won't work. Citi/DSNB issues the Macy's and Bloomingdale's AmEx, FNBO has some, also a variety of ELAN-backed FIs issue them.
FinStar is right about the Schwab cards. I have one.

I don't suggest you seek out an Amex-network card issued by another bank just for the sake of having one. Without the special protections and perks from Amex the issuer, an Amex-network card is just a basic card with limited merchant acceptance. The no-AF Amex-issued cards may lack travel perks, but at least they have good warranty/dispute/fraud customer service.

Every now and then there is one with decent rewards or a nice bonus...but those are separate considerations.
You actually DO get the Amex protections from some network cards, they’re just usually shorter than going directly for an Amex like my More Rewards has 1 year extended warranty instead of 2.

https://www.americanexpress.com/us/network/navyfederal/morerewards/cardbenefits.html

and with The Wells Fargo Propel Amex, you get, HP CLI's,

No foreign transaction fees, travel and emergency assistance services, auto rental collision damage waiver, roadside assistance, lost luggage reimbursement, trip cancellation and interruption protection, lost or damaged cellphone reimbursement, extended warranty, return protection, retail protection, AmEx Offers, ticket presales, dining discounts, luxury hotel discounts and benefits, car rental discount, lowest available airfare, discounts on vacation packages, $300 credit on select cruises, $0 liability, free credit score access

Re: Burned AMEX

Anonymous — Thu, 16 May 2019 23:57:35 GMT

@M_Smart007 wrote:
@Anonymous wrote:
@wasCB14 wrote:
@FinStar wrote:
@DaveInAZ wrote:
If you're dying to see the Amex logo in your wallet other lenders issue Amex card under license and an Amex blacklist won't affect them - Wells Fargo, Penfed are two I know of. I think Navy Fed and Charles Schwab as well.
The Charles Schwab CC is UW by American Express National Bank, so that won't work. Citi/DSNB issues the Macy's and Bloomingdale's AmEx, FNBO has some, also a variety of ELAN-backed FIs issue them.
FinStar is right about the Schwab cards. I have one.

I don't suggest you seek out an Amex-network card issued by another bank just for the sake of having one. Without the special protections and perks from Amex the issuer, an Amex-network card is just a basic card with limited merchant acceptance. The no-AF Amex-issued cards may lack travel perks, but at least they have good warranty/dispute/fraud customer service.

Every now and then there is one with decent rewards or a nice bonus...but those are separate considerations.
You actually DO get the Amex protections from some network cards, they’re just usually shorter than going directly for an Amex like my More Rewards has 1 year extended warranty instead of 2.

https://www.americanexpress.com/us/network/navyfederal/morerewards/cardbenefits.html
and with The Wells Fargo Propel Amex, you get, HP CLI's,
No foreign transaction fees, travel and emergency assistance services, auto rental collision damage waiver, roadside assistance, lost luggage reimbursement, trip cancellation and interruption protection, lost or damaged cellphone reimbursement, extended warranty, return protection, retail protection, AmEx Offers, ticket presales, dining discounts, luxury hotel discounts and benefits, car rental discount, lowest available airfare, discounts on vacation packages, $300 credit on select cruises, $0 liability, free credit score access

Yup. Got this one on my radar. Gonna be awhile since they’ll probably give me a $1K limit but yeah the Propel is the most appealing Amex network only card hands down.

Re: Burned AMEX

wasCB14 — Fri, 17 May 2019 00:25:43 GMT

@Anonymous wrote:
@M_Smart007 wrote:
@Anonymous wrote:
You actually DO get the Amex protections from some network cards, they’re just usually shorter than going directly for an Amex like my More Rewards has 1 year extended warranty instead of 2.

https://www.americanexpress.com/us/network/navyfederal/morerewards/cardbenefits.html
and with The Wells Fargo Propel Amex, you get, HP CLI's,
No foreign transaction fees, travel and emergency assistance services, auto rental collision damage waiver, roadside assistance, lost luggage reimbursement, trip cancellation and interruption protection, lost or damaged cellphone reimbursement, extended warranty, return protection, retail protection, AmEx Offers, ticket presales, dining discounts, luxury hotel discounts and benefits, car rental discount, lowest available airfare, discounts on vacation packages, $300 credit on select cruises, $0 liability, free credit score access

Yup. Got this one on my radar. Gonna be awhile since they’ll probably give me a $1K limit but yeah the Propel is the most appealing Amex network only card hands down.

True, Amex doesn't offer the cell phone coverage (at least on most cards).

Have any of you filed WF benefit claims? The terms on paper aren't too bad, but with the bank's reputation I'd be concerned about having them honor claims in a timely manner.

Propel is another up-to-one-year-only extended warranty card. Some of the other features look okay, though.

Re: Burned AMEX

wasCB14 — Fri, 17 May 2019 00:53:32 GMT

I'm looking here: https://www.wellsfargo.com/credit-cards/propel/guide-to-benefits/

That benefit guide is dated Dec 1, 2018.

I can't find anything in it about trip cancellation/interruption coverage.

Rental coverage is secondary, even outside the USA.

WF roadside assistance is $59.95 per use (not including the cost of fuel, fluids, etc.) and the covered tow distance is only five miles. You can buy a basic AAA membership for less than that! My Schwab Platinum covers four uses a year at no extra fee and up to 10 mile tows. I actually used it recently when my battery died.

Amex definitely has holes in it, but I'd rather fill those holes with Chase and Citi than WF.

Re: Burned AMEX

Anonymous — Fri, 17 May 2019 01:14:52 GMT

@wasCB14 wrote:
I'm looking here: https://www.wellsfargo.com/credit-cards/propel/guide-to-benefits/

That benefit guide is dated Dec 1, 2018.
I can't find anything in it about trip cancellation/interruption coverage.
Rental coverage is secondary, even outside the USA.
WF roadside assistance is $59.95 per use (not including the cost of fuel, fluids, etc.) and the covered tow distance is only five miles. You can buy a basic AAA membership for less than that! My Schwab Platinum covers four uses a year at no extra fee and up to 10 mile tows. I actually used it recently when my battery died.

Amex definitely has holes in it, but I'd rather fill those holes with Chase and Citi than WF.

Amex is never going to let a network card outshine any of their cards so you have to keep that in perspective but the Propel isn’t really a bad card for what it is. Its a gap filler and a basic travel rewards card for people who don’t want to be bothered with all the fees and juggling and it actually becomes a pretty powerful card when you pair it with their VISA Signature card and those points go up in value. Judging a card based on secondary benefits isn’t really the best way to do things. If the primary rewards of the card don’t fit, it’s not worth bothering with.

Re: Burned AMEX

M_Smart007 — Fri, 17 May 2019 05:44:27 GMT

well, I think that's comparing Apples to Oranges.

How Much was That Annual Fee on Schwab Platinum again?

Disadvantages

$550 annual fee, NOT waived for the first year. Note that annual fee does not count towards the minimum spending requirement (and this is true for all credit cards)!

And Yes I do Qualify For The Schwab Platinum, But I cannot Justify The $550 Annual Fee,

especially for a tow, once every 10-15 years.

I also do not travel outside The US.

Re: Burned AMEX

coldfusion — Fri, 17 May 2019 09:29:20 GMT

@Anonymous wrote:
Hi there~ Try their prequal section and then you'll at least know beforehand if they are offering you anything. good luck! Post back with results and DP's.
@Anonymous wrote:
I burned AMEX years ago. My scores are around 700 now. AMEX has me blacklisted. Can I get a branded AMEX card not directly though AMEX such as Hilton AMEX and Delta AMEX etc?

More than 1 person here has discovered that receiving an AMEX prequal doesn't mean you have been removed from their blacklist. The most reliable indicator is an application that triggers a HP.